House running costs calculator
A 120 m² house insulated after 2000, with four people and gas heating, costs about 1,317 PLN a month, or about 15,798 PLN a year. Set your floor area, heat source and the rates from your bills to see the amount for your house, item by item.
Example: 120 m² house, insulated, natural gas
Running a house, per month: about 1,317 PLN a month
about 15,798 PLN a yearabout 10.97 PLN per m² a month
- Heating and hot water: about 496 PLN a month
- Electricity: about 217 PLN a month
- Water and sewage: about 180 PLN a month
- Waste collection: about 120 PLN a month
- Inspections and servicing: about 107 PLN a month
- Property tax: about 77 PLN a month
- Insurance: about 60 PLN a month
- Internet and TV: about 60 PLN a month
Largest item: Heating and hot water, about 38% of all costs.
Bar scale: up to 1,000 PLN/moPrices from 7 October 2026, estimate
| Item | Monthly | Yearly |
|---|---|---|
| Heating and hot water: natural gas | 424 PLN | 5,091 PLN |
| Gas fixed charges | 72 PLN | 864 PLN |
| Household electricity, 2,100 kWh | 182 PLN | 2,184 PLN |
| Electricity fixed charges | 35 PLN | 420 PLN |
| Water and sewage, 12 m³ a month | 180 PLN | 2,160 PLN |
| Waste collection | 120 PLN | 1,440 PLN |
| Building tax | 13 PLN | 150 PLN |
| Land tax | 64 PLN | 770 PLN |
| Home insurance | 60 PLN | 720 PLN |
| Chimney, gas and boiler inspections | 107 PLN | 1,279 PLN |
| Internet and TV | 60 PLN | 720 PLN |
| Total | 1,317 PLN | 15,798 PLN |
Assumptions and formulaPrices from 7 October 2026
heat = 120 m² × 100 kWh/m² + 4 people × 900 kWh = 15,600 kWh heating = heat ÷ efficiency × price = 5,091 PLN a year total = 15,798 PLN a year ÷ 12 = 1,317 PLN a month
- Efficiency or SCOP: natural gas
- 95 %
- Electricity price
- 1.04 PLN/kWhURE G11 tariffs 2026 (PGE, Tauron, Enea, Energa), average with distribution
- Gas price
- 0.31 PLN/kWhmyORLEN (formerly PGNiG OD) W-3.6 tariff, Oct 2026, with PSG distribution
- Household electricity: 855 kWh + 316 kWh per person
- 2,100 kWh/yrAppliance table from our household electricity guide (2 people 1,487 kWh, 4 people 2,119 kWh)
- Electricity fixed charges: network part, three-phase connection
- 13.87 PLN/moExample, 2026 DSO tariffs: about 33-36 PLN (PGE, Tauron, Enea, Energa)
- Capacity charge at 2,100 kWh a year
- 21.13 PLN/moURE President's Information no. 58/2025, 2026 rates
- Gas fixed charges, W-3.6
- 72 PLN/moW-3.6 average: myORLEN and PSG 2026, about 54-86 PLN by area
- Tax: 2026 maximum rates (building, land)
- 1.25 / 0.77 PLN/m²Maximum rates for 2027: 1.29 and 0.80 PLN/m²
- Chimney flue inspection
- 182 PLN/yrAverage price of the inspection, Murator, 2 Sep 2026
- Flue cleaning, 2 times a year
- 180 PLN eachLower end of the 180-360 PLN price list, CenaUslug.pl, 4 Aug 2026
- Gas installation inspection
- 304 PLN/yrAverage price of the inspection, Murator, 3 Sep 2026
- Device servicing
- 433 PLN/yrAverage, CenaUslug.pl, 15 Jul 2026
An estimate. Mortgage payments, garden, furnishing and commuting are not included. Monthly amounts are yearly amounts divided by 12.
How electricity, gas, pellet and coal prices have changed, month by month. Price history
Ready-made calculations
How to use the calculator
- Set the usable floor area, the insulation standard and the heat source.
- Enter the number of people. The calculator uses it to estimate electricity, hot water, water and waste.
- Check the electricity and fuel prices and the rates for water, sewage and waste. If you have bills, enter the amounts from them.
- Enter the plot area for the land tax, the insurance premium and the cost of internet. Turn on the repair fund with the switch.
- Click Calculate costs. After that the result updates with every change, and the button under the bars copies a link to it.
What running a house costs
Heating with hot water is the largest item. In a 120 m² house with a gas boiler it comes to about 496 PLN a month including the gas fixed charges, about 38% of all costs. Next come household electricity (about 217 PLN with fixed charges), water and sewage (about 180 PLN) and waste collection (about 120 PLN).
Chimney and gas inspections with boiler servicing cost about 107 PLN a month, property tax about 77 PLN, and insurance and internet about 60 PLN each. That is about 10.97 PLN per square metre a month.
How each item is calculated
Heating works like our heating cost calculator: floor area times the rate for the insulation standard plus 900 kWh of heat for hot water per person, divided by the device efficiency and multiplied by the price. Household electricity is estimated from the number of people, and the capacity charge follows the yearly use, including a heat pump or electric heaters.
Property tax uses the maximum rates for 2026: 1.25 PLN per m² of the house and 0.77 PLN per m² of the plot. Inspections depend on the heat source: a solid fuel boiler needs the flue cleaned four times a year, a gas boiler twice, and a heat pump only needs the ventilation duct inspection and its own service. Water, waste, insurance and internet are examples, because municipalities and providers set them.
What the calculator leaves out
Mortgage payments, the garden, furnishing, commuting and the cost of buying a boiler or heat pump are not included. Add repairs with the Repair fund switch: at e.g. 1% of a house worth 600,000 PLN the cost goes up from about 1,317 to about 1,817 PLN a month.
Frequently asked questions
How much does it cost to run a house in Poland per month?
For a 120 m² house insulated after 2000, four people and gas heating, about 1,317 PLN a month, or about 15,798 PLN a year. That covers heating with hot water, electricity, water, waste, property tax, insurance, internet and inspections. With a heat pump the same house costs about 1,181 PLN a month.
What raises the running costs of a house the most?
Insulation and the heat source. An uninsulated 120 m² house with gas costs about 1,643 PLN a month, about 326 PLN more than the same house insulated after 2000. Heating with direct electric heaters raises the cost to about 2,089 PLN a month.
Does the calculator use the 2027 property tax rates?
It uses the maximum rates for 2026. For 2027 the caps rise to 1.29 PLN per m² of the house and 0.80 PLN per m² of land, so a 120 m² house on a 1,000 m² plot pays at most about 955 PLN instead of 920 PLN. Many municipalities set lower rates than the maximum.
How does the calculator know how much electricity I use?
It estimates it from the number of people with typical appliances: about 2,100 kWh a year for four people and about 1,500 kWh for two, without heating and hot water. If you know your use from a bill, enter it in the Household electricity field.